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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL1 year Filed as: LPL FINANCIAL FBO STEVE BARRILLEAUX Service code 15 · EIN 04-3046611 PO BOX 502533 · SAN DIEGO, CA 92150 | Recordkeeping | $29,829 |
PAYCHEX, INC.3 years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $8,782 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $48,746 | $63,442-23.2% | $68,794-29.1% | $66,930-27.2% |
| Participation rate | 64.5% | 60.0%+4.5pp | 69.0%-4.5pp | 69.8%-5.3pp |
| Annual return | -15.60% | -8.29%-7.3pp | -6.37%-9.2pp | 1.57%-17.2pp |
| Employer contribution / active EE | $2,017 | $1,775+13.6% | $2,656-24.1% | $2,545-20.8% |
| Participant deferral / active EE | $4,565 | $2,945+55.0% | $3,941+15.8% | $4,238+7.7% |
| Admin fee / account holder | $235 | $577-59.3% | $4,934-95.2% | $593-60.4% |